PwC: Institutional-grade encryption adoption has passed the "irreversible point".
TL;DR
PwC报告指出，机构采用加密资产已过'不可逆转点'，焦点转向如何将其融入现有金融体系。加密资产正从交易转向支付、结算等核心场景，稳定币应用尤为关键。
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According to Odaily Odaily, PwC, in its "2026 Global Crypto Regulatory Report," pointed out that institutional adoption of crypto assets has crossed the "irreversible point," and the process is difficult to reverse.
The report states that the current focus of discussion is no longer whether institutions should use crypto assets, but rather how to integrate them into the existing financial system. Crypto assets are shifting from being primarily for trading and speculation to being deeply embedded in core financial scenarios such as payments, settlements, fund management, and balance sheet management, with the production-level application of stablecoins being particularly crucial.
PwC points out that stablecoins and tokenized cash are being widely used by banks, asset management institutions, and payment companies for internal transfers, cross-border payments, and corporate fund operations. Encryption technology is gradually becoming the "financial infrastructure operating behind the scenes," which is often imperceptible to end users.
The report argues that once cryptographic systems are embedded in an institution's core business processes, their adoption is difficult to reverse. This view is echoed by several market participants, including Circle, the issuer of USDC.